Small
Business
Insurance
Solutions
Products
- Business Owners Policies
- Cyber
- Flood
- General Liability
- Professional Liability
- Workers Compensation
Carriers
- AmTrust
- Coalition
- CNA
- Coterie
- Employers
- Hiscox
- Homesite
- Markel
- Neptune
Features
- Single data entry
- Payment plans available*
- EFT/direct bill to the client
- Automatic renewals
- No annual fees
- No broker fee
- Pre-filled ACORD apps
- Online payments through portal*
- Online chat for tech support and quoting help
* varies by carrier
Business Owners Policy
Eligibility
- Minimum premium $500
- Up to 50 employees
- Up to $10 million in sales($30 million for some classes)
- Up to $1 million in payroll
- Limits up to $10 million in total insured property(depending on class)
- Multi-locations available
- New ventures welcome
- Optional cyber, liquor and professional liability endorsements
Current Availability
- Nationwide
example categories
- Artisan contractors
- Barber shops & salons
- Lessor's risk
- Offices (including medical)
- Pet services
- Professional services
- Property management
- Restaurants
- Retail stores
- Small manufacturing
- Wholesale & distributors
Cyber
Eligibility
- Admitted
- Revenues up to $1B
- Limits up to $2M bind-able online
- Up to $5M via referral
- Cyber Liability and Tech E&O coverage available
Current Availability
- Available in most states except KS, KY, LA, ME, MT, ND, VT & WY
example categories
- Cryptocurrency
- Energy
- Healthcare
- Legal Services
- Manufacturing
- Nonprofits
- Public Sector
- Real Estate & Title
- Retail & E-Commerce
- Technology
- Many more!
Flood
Eligibility
- Private, non-admitted program
- Building limits up to $4M
- Contents Coverage up to $500k
- Business interruption up to $25k available as an optional coverage
- Deductibles between $1,250 - $50,000
- No elevation certificates needed
- Waiting period is 10 days (waived if binding for a real estate closing)
Current Availability
- Available in most states except AK & KY. Coming soon in NY.
example categories
- Non-residential risks
- Building square footage: There is no minimum and maximum square footage in X and A zones. For V zones there is no minimum and the maximum is 25,000 square feet.
General Liability
Eligibility
- Admitted coverage
- Minimum premiums $350
- Limits up to $5 million (up to $2 million bindable online)
- Up to 50 employees (up to 15 for most contractor classes)
- Up to $10 million in revenues for most classes (between $1.5-$10 million for contractors)
- Up to $500,000 in annual payroll for most classes
Current Availability
- Nationwide
example categories
- Allied Health Services
- Artisan Contractors
- Creative & Design Services
- Consulting Services
- Fitness & Beauty
- Janitorial & Landscape
- Personal & Professional Services
- Retail
- Technology
- Wholesale & Distribution
- Many more!
Professional Liability
Eligibility
- Admitted coverage
- Minimum premiums $270
- Limits up to $5 million
- Up to $10 million in revenues (up to $5 million for contractors)
- Full retro-coverage for unknown claims from previous work for most classes
- Claims-made form
- Home based business acceptable
Current Availability
- Nationwide (not available in AK)
example categories
- Advertising
- Architects & engineers
- Consulting services
- Creative & design services
- Direct sales
- Financial services
- Health, beauty & fitness
- Insurance agents
- Legal services
- Property management
- Real estate professionals
- Surveyors
Workers Compensation
Eligibility
- Minimum premium $500
- Limits up to $1 million
- Experience Mods up to 1.25
- Over 350 eligible class codes
- Multi-state capabilities
- New ventures eligible for most classes
- Super claims and loss control services
Current Availability
- Nationwide
example categories
- Auto Industry
- Clubs
- Contractors
- Leisure & Hospitality Services
- Manufacturing
- Professional Services
- Restaurants
- Retail
- Schools
- Social Services
- Warehouse
- Wholesale
Why Victor?
It’s fast
Enter data once, get multiple quotes. Then bind and issue them on the spot.
It’s a better experience
By turning around proposals quickly, agents can keep their clients happy.
It’s efficient
Time is money.
Save both.